Who is it for?
Bank accounts for students and young people up to 26
Free accounts with a welcome bonus for people aged 18-26
As a student you can count on a free personal account, a no-fee card and an attractive welcome bonus. Some of the offers below are separate accounts with a built-in age limit (automatically switching to standard terms at age 26), while others are the bank's standard account with a temporary cash bonus reserved for young applicants. Some banks also run an ongoing cashback programme available to holders of such an account, while others offer only a one-off bonus for opening the account - always check the exact terms in the chosen offer's regulations and compare them to find the one that best fits your needs.
Verified 31 Oct 2026
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Frequently asked questions
Yes - a debit card works wherever Visa or Mastercard is accepted. Watch out for hidden currency conversion fees (typically 1-3% per transaction). Before leaving, check your bank's exchange rates and consider opening a secondary Revolut or Wise account for cheap euro payments.
Block the card immediately in your bank's mobile app - the freeze option is available 24/7 and takes a few seconds. No need to wait on a helpline. Once blocked, order a replacement card in the app. Most banks send the new card within 2-5 business days, sometimes with delivery to a parcel locker.
In some banks, yes - cashback covers restaurants, food delivery apps, and grocery stores. The refund is typically a few percent of the order value. Check your bank's loyalty programme rules - not every account in this category has such a programme.
Banks rarely block accounts purely for inactivity, but they may start charging a maintenance fee if conditions for free-of-charge use are not met (e.g. minimum number of transactions). Making even one small card payment per month usually keeps the account free. Check your bank's specific terms.
Incoming bank transfers cannot be cancelled once posted to your account - reversing such a transfer requires your consent as the recipient. You can voluntarily send the money back via a return transfer. If you believe you are in the right - keep the funds and resolve the matter directly with the sender; the bank does not arbitrate disputes between private individuals.
Not always. Some banks offer a separate product with a built-in age limit that automatically switches to standard terms once you turn 26. In other cases it is the bank's standard personal account, open to any adult regardless of age, to which the bank only temporarily attaches a cash bonus reserved for people in a certain age bracket - the account itself then has no upper age limit. Before opening an account, check the exact terms of the specific offer in the bank's regulations.
Yes. Funds held in bank accounts, including personal accounts, are protected by the Bank Guarantee Fund (BFG) up to the equivalent of €100,000 per person per bank, under the Act of 10 June 2016 on the BFG. This applies to both commercial and cooperative banks operating in Poland.
No - the offers shown on this page are accounts for people in a specific age range (usually 18-26), not accounts that require student status. In most banks, being an adult with a valid ID is enough to open such an account; a student ID is not typically required, though it's worth checking the specific offer's terms.
Yes. The criterion for these offers is age, not student status - a person who works, is unemployed, or is studying within the given age range (usually 18-26) can also open such an account, as long as they meet the bank's general conditions: being an adult with full legal capacity and a valid ID.
Yes, as long as the account is held in Polish złoty - most Polish universities pay scholarships only to a PLN account (for example, the USOSweb system used by many universities accepts only a PLN account for scholarship payouts). All three accounts on this page are standard złoty personal accounts, so they formally meet that condition - it is still worth confirming the exact form and required account number with your university's administration office.